Iifayile zerhafu ziyinxalenye ebalulekileyo yokulawula iimali zomntu kwaye zixhomekeke kwimithetho nemithetho emininzi. Nangona ku abantu, kufuneka siyazi le migaqo ukuze siqinisekise ukuba sihlawula irhafu ngendlela esemthethweni nefanelekileyo. Eli nqaku liza kujonga imigaqo ephambili ekufuneka uyiqaphele xa ufaka iimbuyekezo zerhafu.
irhafu yengeniso
Iirhafu zengeniso zezo zinxulumene nomvuzo wakho wonyaka. Abahlawuli berhafu kufuneka babhengeze umvuzo wabo kunye nokutsalwa kwerhafu yengeniso, kwaye bahlawule isixa abasityalayo. Ukutsalwa kwemali kunokubandakanya iindleko zonyango, inzala yemali-mboleko yomfundi, kunye neendleko zemfundo. Kufuneka uxele naziphi na iinzuzo ezinkulu, izabelo kunye nenzala oyifumeneyo.
Iirhafu zendawo
Iirhafu zengingqi zezo zitsalwa ngoogunyaziwe bengingqi. Abahlawuli berhafu kufuneka bahlawule irhafu kwiipropati zabo kunye nokusetyenziswa kweenkonzo ezahlukeneyo zikamasipala ubukhulu becala. Ezi rhafu zihlala zingaphantsi kunerhafu yengeniso kwaye zinokwahluka ngokuxhomekeke kwindawo okuyo.
Ukutsalwa kwerhafu
Ukutsalwa kwerhafu kukucuthwa kweemali ekufuneka uzihlawulele iirhafu zakho. Abahlawuli berhafu banokuthatha ithuba lokutsalwa kwerhafu okwahlukeneyo, kuquka neendleko ezingenzi nzuzo kwimibutho. Kubalulekile ukujonga kwi-arhente yakho yerhafu ukufumanisa ukuba zeziphi iimali ezitsalwayo ezikhoyo. Abanye abantu bathabatha ithuba lokukrazula irhafu kwaye balawule ukuhlawula phantse ukuba akukho okanye irhafu encinci kakhulu.
isiphelo
Ukulawula iimali zobuqu yinxalenye ebalulekileyo yobomi. Ingxelo yerhafu yinxalenye ebalulekileyo yoku kwaye ixhomekeke kwimigaqo nemithetho emininzi. Njengabemi, kufuneka siyazi le migaqo ukuze siqinisekise ukuba sihlawula irhafu ngokusemthethweni nangokufanelekileyo. Eli nqaku lixubushe ngemithetho eyintloko esifanele siyiqonde xa sifaka irhafu, njengerhafu yengeniso, irhafu yasekuhlaleni, kunye nokutsalwa kwerhafu.
